30YR Fixed Rate
6.83%
+0.01%
15YR Fixed Rate
6.03%
+0.00%
UMBS 30YR 5.5
99.18
-0.15
10 Year Treasury
4.431
+0.023
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Yesterday, we characterized the prevailing mortgage rate momentum as "broadly sideways," and while that's still very true in the bigger picture, words like "up" and "higher" might need to be sprinkled in this week. For those with a glass-half-empty approach, today's rates are the highest of the week and the highest since June 24th.  For the optimists (and, in our view, the pragmatists), today's rates are virtually identical to those seen on Tuesday.  Specifically, our 30yr fixed rate index is only 0.01% higher today--the smallest possible change. Motivation for movement in rates and in the underlying bond market was in short supply this week.  It would make more sense to view it as sort of hangover from last week's party (multi-month lows last Tuesday) followed by a wake up call at the end of last week from the stronger-than-expected jobs report. Bonds (which drive rates) care about big-ticket economic data and the jobs report is one of the biggest tickets. If there's a worthy competitor at the moment, it's next week's Consumer Price Index (CPI)--an inflation report that may or may not show the onset of tariff-driven inflation. Why would that matter?  First off, bonds simply don't like inflation and rates will generally be moving higher if inflation is moving higher. Additionally, the prospect of tariff-driven inflation is preventing the Federal Reserve from initiating rate cuts that would otherwise be justified by the current landscape of econ data and monetary policy.
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July 11, 2025
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Mortgage Rate Watch
Highest Mortgage Rates of The Week, Just Barely
Yesterday, we characterized the prevailing mortgage rate momentum as "broadly sideways," and while that's still very true in the bigger picture, words like "up" and "higher" might need to be sprinkled in this week. For those with a glass-half-empty ... (read more)
MBS Commentary
Overnight Selling But Still in The Range
In terms of news that seems like it should be important, the biggest overnight development was the announcement of a 35% tariff on Canadian imports starting August 1st (up from the previously-slated 25%). Exemptions for USMCA goods and energy/fertili... (read more)
Rob Chrisman
AI Retention, Jumbo AUS, Bridge, HELOC Products; Wholesale and Investor News
Don’t forget to snag your free Slurpee today at participating 7-Elevens! Speaking of edible things, I like my Frosted Flakes, Froot Loops, and Raisin Bran. M&A is not confined to lenders: Imagine my surprise when I learned that Michigan's WK Kell... (read more)
Mortgage Rates
30 Yr. Fixed Rate
6.83% +0.01%
Rate Change Points
Mortgage News Daily
30 Yr. Fixed 6.83% +0.01 0.00
15 Yr. Fixed 6.03% 0.00 0.00
30 Yr. FHA 6.37% +0.02 0.00
30 Yr. Jumbo 6.90% 0.00 0.00
7/6 SOFR ARM 6.27% -0.05 0.00
30 Yr. VA 6.39% +0.02 0.00
Updates Daily - Last Update: 7/14
15 Yr. Fixed Rate
6.03% +0.00%
Rate Change Points
Freddie Mac
30 Yr. Fixed 6.72% +0.05 0.00
15 Yr. Fixed 5.86% +0.06 0.00
Updates Weekly - Last Update: 7/10
Rate Change Points
Mortgage Bankers Assoc.
30 Yr. Fixed 6.77% -0.02 0.62
15 Yr. Fixed 6.04% -0.02 0.63
30 Yr. Jumbo 6.69% -0.09 0.65
Updates Weekly - Last Update: 7/9
MBS / Treasuries
UMBS 30YR 5.5
99.20 -0.13
Price / Yield Change
MBS
UMBS 5.5 99.20 -0.13
UMBS 6.0 101.14 -0.09
GNMA 5.5 99.58 -0.08
GNMA 6.0 101.25 -0.06
Pricing as of: 7/14 4:47PM EST
10 Year US Treasury
4.4243 +0.0160
Price / Yield Change
US Treasury
2 YR Treasury 3.899 -0.002
5 YR Treasury 3.982 +0.011
7 YR Treasury 4.186 +0.007
10 YR Treasury 4.424 +0.016
30 YR Treasury 4.967 +0.012
Pricing as of: 7/14 4:47PM EST
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Q2 GDP Tracking: Mid-to-high 2s
© 2025  Mortgage News Daily, LLC. | 19701 Bethel Church Rd. | Cornelius, NC 28031
Interest rates displayed are national averages and for informational purposes only. Actual rates from lenders may vary based on several factors including, but not limited to, credit worthiness, ability to replay, credit score, down payment, loan term, etc.
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Today's Mortgage Rates  |  Mortgage Calculators
7/14/2025
30 Yr. Fixed Rate
6.83%
+0.01%
0.00
MBS & Treasury Prices
UMBS 30YR 5.5
99.18
-0.15
10 Year US Treasury
98.548
-0.183
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